*Policies sold through our partners at theeventhelper.com
Buy TodayAs an event host, you could be held liable for accidents, injuries, and other damages caused by intoxicated persons. Through our partner, The Event Helper, Insurance Canopy provides event hosts like you with high-quality and affordable liability insurance, allowing you to plan and run your event with peace of mind.
| Basic Coverage Limits Shown Below | |
|---|---|
| General + Host Liquor Aggregate Limit
The most your policy will pay for bodily injury and property damage claims that you become legally obligated to pay.
|
$2,000,000 |
| Products & Completed Operations Aggregate
The maximum amount your policy will pay for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
|
$1,000,000 |
| Personal & Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses: - False Arrest, detention or imprisonment
- Malicious prosecution - Wrongful Eviction or Wrongful Entry - Oral or written publications that slander or libels a person or organization - Oral or written publication or material that violates a person's right of privacy - The use of another's advertising idea in your advertisement |
$1,000,000 |
| Each Occurrence Limit
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay.
|
$1,000,000 |
| Each Occurrence Limit
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay.
|
$1,000,000 |
| Damage to Premises Rented to You
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
|
$100,000 |
| Medical Expense Limit(Any One Person)
Reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
|
$5,000 |
Set a reminder Event Policy: Starting at $66 - According to local dram shop laws, you could be held liable for accidents involving intoxicated persons at your event. Through our partners at The Event Helper, you can receive the liability insurance you need to protect your business from the devastating impact of claims.
Most states hold party hosts who offer alcohol to their guests responsible for their guests' actions. Host liquor liability insurance may cover the legal fees, settlements, and medical costs that you may face due to your service of alcohol up to the limits of your policy. If you are held responsible for damages stemming from a lawsuit, your policy may even cover the costs of expenses.
Host liquor liability insurance does not cover you if you are in the business of selling, manufacturing, or furnishing of alcoholic beverages.
If you sell alcohol through an event, or as a caterer or bartender, you may qualify for liquor liability coverage from our recommended provider here. Hosts who hire caterers or bartenders to serve alcohol at their event should require them to carry a liquor liability policy and add them as an additional insured.
Yes. As a party or event host, you could be held responsible for your guest's actions if you serve alcohol.
This includes:
Anyone who suffers bodily injury or property damage by an intoxicated person has the right to sue the person who provided the alcohol. Host liquor liability lawsuits and expenses are substantial and could include criminal charges. Costs sometimes reach into hundreds of thousands of dollars. Even if you are not found negligent, court costs to defend yourself can be expensive.
Your liability may depend upon your state's social host liability laws. In some states, social host liability laws are similar to the state's dram shop laws. In other states, there are no specific social host liability laws; however, those states don't stop you from being sued by the injured person. For this reason, carrying general liability insurance with host liquor coverage is a wise choice, even if it’s not explicitly required of you.
Eighteen states have social host liability laws and nine states have social host laws specific to minors.
The Event Helper offers policies starting at $66 for an event.
Get a quote
Liquor Liability vs. Host Liquor